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Banks in the United States may hold personal and business checks from other banks, and may hold any type of check if the depositor's account history warrants. They may also hold any type of large check. Only certain checks qualify for next day availability (and then only if your account history warrants), such as checks drawn on the same bank as yours, money orders/cashier's checks, and government checks.

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The hold policy for checks deposited at US Bank determines when the funds from a deposited check will be available for withdrawal. The length of the hold depends on factors such as the type of check, the amount, and the account history.


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